don't know were to turn

kfer_kaz

Hi everyone, I am hoping for some help as to where to turn for a re-mortgage.
The story so far. 10 years ago my now ex hubby and I got our first mortgage, we then got into a bit of financial difficulty and got ourselves a secured loan. Hubby then became and ex with no income for over 2 years so I was left to fend on my own with a part time job. Needless to say I got in an awful mess, lucky I manage to keep up mortgage payments. Ex hubby tried to force me to sell house, cam to an arrangement where I would pay off the secured loan and the house would be passed over to me. Somehow I manage to obtain a mortgage where I didn't have to prove my income, it is an endowment mortgage but I couldn't afford to pay for the endowment insurance. I now have a new partner and not leaning from my past mistakes we took out another secured loan. I am petrified that something may happend to me or my partner and as I don't have an endowment policy we would lose the house.
Now to the nitty gritty.
I would like to re-mortgage and include the secured load and other bits and bobs we have floating around so we have just the one major outgoing. I don't work now as my son is classed a disabled and receives DLA, I receive a careres allowance, my partner works nearly full time but not very good wages. We receive working tax allowance and child maintanence from ex hubby.
Which mortage company is likely to touch us.
We would need £125,000 to pay all debts. We have an awful credit rating.
Any help and advice would be most welcome as I have no idea where to turn.

herbiesjp

YOu would really need to post some figures for anyone to give any pointers.

What is the property value?

What are your benefits totalling each year?
What is your partners income?

DO you have any other debts/cards/loans/HP in the background?

What is on your credit histories that make them both so bad?

This looks like it should be discussed carefully with an adviser

HTH

AMILLIONDOLLARS

Sounds Like you need to go over to the Debt Free Wannabe Board, Post a Statement of Account (they will tell you how). There are loads of people in a similar situation as yourself on there, and you'll get loads of advice on how to reduce your debts without borrowing more money, consolidation at this point will not solve your problems but will only delay you paying off the money owed. so move over to dfw

AMD